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IBAN: How to stand up to rejection

When you open an N26 account, you will receive a German IBAN (International Bank Account Number) that uniquely and fully identifies your current account - including the country code (DE), a two-digit check number, the eight-digit bank sort code, and your ten-digit account number. The participating countries of the SEPA area (Single Euro Payments Area) have agreed on the IBAN system in order to simplify national and international payments and reduce the risk of error in the communication and processing of transactions.

Those who do not accept IBANs from other member states of the European Economic Area are violating European law as of 1 February 2016 (Article 9 of Regulation No 260/2012). If you are ever affected by so-called "IBAN discrimination", please contact your competent national authority directly and notify them of the incident via a report. In addition to your contact details and the name of the person/company that did not accept your IBAN, this report should also include a brief description of the incident, a screenshot of the rejection, and documentation of the communication. Please send us a copy of your report via the contact form below so that we can provide you with the best possible assistance.

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